5 Tips for Millennial Home Buyers

Terakhir Diubah : 08:24:15 - Wednesday, 15 February 2023

As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.

1. Check financial ability
First, prepare a balance sheet including income and expenses.

2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.

3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.

4. Investment
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.

5. Discipline
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.

Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.

In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!

Source: https://mediakeuangan.kemenkeu.go.id

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How to Have a Super Productive Weekend

You probably spend your majority of your weekend, sitting or sleeping. That's why changing the types of activities you do on weekends can play a big role in both your level of happiness and productivity.Check out the following tips from Sahabat Insurance:

Try New Food Recipes
If you like cooking, this activity is really fun. Try new recipes that the whole family can do. Remember! you should never leave your stove unattended while in use. Think of your stove as an active cooking device. When in use, you should be actively tending to whatever it is you're cooking.

Repairing and cleaning the House
You can check and check the condition of the house, for example replacing a broken lamp, fixing a leaky roof or changing the color of your peeling wall paint, cleaning up piles of unused items. Cleaning the house is a trivial but very useful activity, your house is more comfortable to live in if it is clean and safe.

Make a Travel Journal
If you are an adventurer who is "on leave" traveling due to the pandemic, you can keep a journal of the trips you have done. You can make a vlog or post it on social media that might be useful for others. If you have photos, you can print them out and create your travel albums.

Fix the vehicle
Wash the car or just check the condition of the vehicle during the holidays. Check the oil or air pressure in the vehicle tires. Vehicles that have not been used for a long time and are parked in the garage for a long time can become damaged. Start the engine and clean the vehicle as a spare time filler.

Call 021-50508080 for motor vehicle, home, travel and other insurance information.

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Sahabat Insurance achieved “idBBB” financial strength rating with stable outlook from Pefindo

PEFINDO has assigned its “idBBB” financial strength rating with stable outlook to PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance).
The rating reflects Sahabat Insurance’s moderate capitalization, adequate liquidity, and moderate asset quality.
Source:www.pefindo.com

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House Explosion, will my insurance cover the damage?

We will never be able to avoid a disaster, the risk of unpredictability when it occurs. By knowing that the risk will just happen without our expectations, of course we need preparations that we must do to overcome the losses arising from the problem.

Therefore, it is recommended that you have a home, other buildings make sure to use property insurance. This property insurance, can help you with an efficient and economical way to provide protection to every property owned from a variety of risks. FLEXAS stands for Fire, Lightning, Explosion, Aircraft Impact & Smoke.

FLEXAS is a package that you can use to protect against a variety of risks in property insurance. It is unfortunate if the investment held for our support in the future will just disappear due to risks such as Fire, Lightning, Explosion, Fall of Aircraft & Smoke. Finally, we feel something unpleasant and certainly very detrimental.

Here are some explanations regarding FLEXAS guarantees that protect you from various things such as:

Fire (fire)

No one will ever know when a fire can occur in a building we have such as a house or property. Fire caused by a short circuit or electrical short circuit, the spread of fire or heat that arises on its own, or due to the spread of fire from other objects, neighboring houses, tree fires and others or fire due to your own negligence or lack of care, your servant or other people such as fires due to stoves, exploding gas leaks, or cigarette butts and others. the damage caused by efforts to extinguish fires will also be guaranteed by property insurance.

Lightning (Lightning Strike)

Lightning strikes are a terrible thing, because besides being exposed to electric shock, it can also cause our homes to become fires and destroy homes or buildings. No need to worry because property insurance will help you, if your house or building is damaged due to lightning strikes. Property insurance also guarantees the risk of fire caused by electric machinery, electrical or electronic equipment, and electrical installations that are burned because lightning also enters into account.

Explosion

Explosions can occur at any time, either because someone else intentionally put them in our place or because of our accident, What is meant by an explosion here is the sudden release of energy due to the expansion of steam or gas.

Aircraft Impact (Fall of Airplanes)

You could say that reaching aviation in Indonesia, having enough technology is high, but who can think of everything can happen to ourselves, without being able to know when it happened. The crash of an airplane to cause a fire will be guaranteed by property insurance. With the condition, this happens because of the physical impact of the aircraft or from the contents of the items in the plane that concern the house or property that is insured.

Smoke (Smoke)

Smoke arising from the fire of insured property. So if the smoke caused by a fire causes damage to the house or other property insured, property insurance will guarantee the loss due to the damage.

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Waste Sorting At Home: Little Act With Big Impact

•To avoid garbage piling up, you must know how to sort out the garbage at home. Besides being more comfortable, you can also keep the environment clean and flood - free. •When disposing of waste, separate organic and inorganic waste. Sort plastic, paper, tetra pack, electronics, cans, and glass waste. •For kitchen waste or food scraps, you can process organic waste into compost. •For inorganic waste, you can go to a waste management agency which now also provides pick up services. #sahabatinsurance #insurance #friends #protection #photo #ınstagood #instalike #instadaily #likeforlikes #love #instagood #salamsahabat

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